System and method for enabling transactions by means of print media that incorporate electronic recording and transmission means

ABSTRACT

A system and method for enabling automatic electronic, telephonic, and Internet transactions through print media, as well as providing value that flows to a supplier for the service of enabling such transactions. The transactions can utilize print media that can include electronic recording media and counterfeit protection, where the electronic recording media can identify suppliers of the media, providers of the service promoted by the electronic media, and can set a value for a supplier, such as a print media supplier or facilitator.

BACKGROUND

This invention relates generally to automatic electronic and telephonicand Internet transactions through print media, as well as providingvalue that flows to a supplier such as, for example, a print mediumsupplier, a provider, or other facilitator, for the service of enablingsuch transactions.

Printed communications and advertisements supply information aboutpossible transactions, where the term “transaction” is used herein tomean at least one interaction between parties, about which a recipientmight be interested. Print media includes all forms of printedcommunications and may include all forms of packaging for goods andproducts. The term “transaction” may also include the desire of aconsumer to purchase said goods and products. Possible transactions caninclude, but are not limited to, commercial or private transactions,legal transactions, or other transactions, to name a few examples.Printed communications and advertisements typically require that therecipient manually conduct the transaction, either by telephoning anestablishment, such as, for example, a commercial establishment, byaccessing the web page of the establishment, by physical transport (i.e.the USPS mail, courier service such as FEDEX or UPS, etc.) or by goingto the establishment to make the transaction or purchase. Each of theseactivities could require a measure of organization on the part of therecipient, and thus the establishment could lose timely response orsales simply because the communication and/or advertisement becomesmisplaced among the recipient's other printed mediums and papers.

Likewise, printed bills require manual reaction to pay the bill by mailor phone. Bills can also be misplaced and remain unpaid.

What is needed is a system by which transactions associated with printedmaterial could be conducted automatically, thus relieving the recipientof the extra task of organizing printed material and reacting to it at alater time.

What is further needed is to converge the print medium and theelectronic medium to facilitate the payments of bills and/or thetransactions being communicated or advertised and to automate and makeit easier for the recipient to conduct such transactions byautomatically connecting the recipient to the mailer of the print mediacommunicating and/or advertising such transactions or requestingpayments of bills.

It is further to the advantage of the supplier of the printed materialor other facilitators to enable such transactions associated with theprinted material when mechanisms exist to assess compensation, forexample a fee, on such enablement in order to generate value, forexample a revenue stream, based on the compensation.

SUMMARY

The needs set forth above as well as further and other needs areaddressed by the present invention. The solutions and advantages of thepresent invention are achieved by the illustrative embodiment describedherein below.

The system and method of the present invention enable electronictransactions using print media, and a value, for example a revenuestream, flowing to the manufacturer of the print media or otherfacilitators as a result of the transactions. In particular, a printmedium includes electronic recording media, preferably in specificlocations on the print medium. During the manufacturing, printing,packaging, inserting processes, or thereafter, digital or analog data,referred to herein as print medium supplier electronic print informationor facilitator electronic print information, are recorded onto theelectronic recording medium that serves as a key to be verified by aprint media reader/recorder before other data on the electronicrecording medium are able to be accessed or additional further data areable to be recorded. The material used to construct the print medium caninclude, but is not limited to, paper, cardboard, plastic, textiles,leather, rubber, glass, mirrors, stone, wood, ferrous and non-ferrousmetals, and synthetic materials or any manufactured or converted productfrom said list of materials such as, but not limited to cards, labels,envelopes, boxes, cartons, cans, bottles, packaging of all forms,flexible and non flexible packaging, containers of all forms and shapes,etc., anything that can be printed and/or recorded upon. As used herein,the term “paper” can include, but is not limited to, conventional paperderived from wood fiber products, and also paper made from rice, corn,fibrous and film synthetics, such as, for example, plastics such as, forexample, polyethylene, polyethylene terethate (MYLAR®), polyvinylchloride, etc. The term “paper” can also include cardboard and otherlaminated or reinforced paper forms.

After the manufactured print media are provided to an establishment,each print medium can be encoded electronically with provider electronicprint information or facilitator electronic print information which canbe uniquely associated with (1) the user, consumer or recipient to whomthe print medium is addressed or intended and specifically targetinginformation for that user, consumer or recipient (2) data related to orplaced on the electronic recording medium, (3) contents of the printmedium, and (4) transactions arising from the user, consumer orrecipient of the print medium. Further the provider electronic printinformation or facilitator electronic print information can include aunique identifier that can be used to obtain from the Internet any dataassociated with the print medium such as, for example, name address,account code, credit card code, security password, web site address,telephone number, transaction code, etc., as well as any otherpersonalized and customized targeted information. After the initialprovider electronic print information or facilitator electronic printinformation is recorded to the print medium, the print medium maypreferably become a read-many, record-once electronic recording medium.

The system of the present invention for enabling a transaction caninclude, but is not limited to, a print medium that can include, but isnot limited to, an electronically recordable section upon whichelectronic print information is recorded and a print mediareader/recorder that can access the electronic print information fromthe electronically recordable section, receive user verificationinformation from a user, and receive user authentication informationthrough user input to authenticate the user. The system can optionallyinclude a print media reader/recorder transaction tracer that canmonitor and record the transaction.

The system can also include a print media monitor that can receive theelectronic print information from the print media reader/recorder,determine from the electronic print information if the user isauthorized to access the electronic print information on the printmedium, enable the transaction by electronically coupling the useridentified by the electronic print information with a provideridentified by the electronic print information, trace the transaction inorder to calculate and assess a compensation, for example a fee, andestablish a value, for example a revenue stream, based on thecompensation.

The system can further include a supplier that can supply the printmedium, and can receive at least part of the value. The supplier can be,for example, a facilitator or a print media supplier, and the providercan also supply the print medium. The facilitator can facilitate thetransaction, and can receive at least part of the value, and the printmedia supplier can supply the print medium, and also can receive atleast part of the value. The provider can be, for example, thefacilitator or an establishment, either of which can receive at leastpart of said value.

Electronic print information such as, for example, but not limited to,print medium supplier electronic print information, facilitatorelectronic print information, and provider electronic print informationcan be can be accessed by a special purpose data accessor, referred toherein as a print media reader/recorder. The print media reader/recordercan generally read and record electronic print information, and can bebuilt in several different ways including, but not limited to, aprovider print media reader/recorder, a facilitator print mediareader/recorder, an establishment print media reader/recorder, a userprint media reader/recorder, and a supplier print media reader/recorder.Each of these print media reader/recorders can support differentfunctionality, as will be described herein. A user print mediareader/recorder, for example, which is a print media reader/recorderthat is geared for end-user use, can be (1) equipped to receiveelectronic data from the print medium, (2) is connected to, or is itselfan integral part of, a computer such as, for example, a user personalcomputer, a cell phone, or a personal data assistant (PDA), and/or (3)connected to a telephone line. In general, the print mediareader/recorder can, for example, receive and record provider electronicprint information, user identifying electronic print information, printmedia supplier electronic print information, and facilitator electronicprint information on the electronically recordable section. The printmedia reader/recorder can also include a biometric reader that can, forexample, receive user authentication information and, for example,either provide it to the print media monitor or perform authenticationwithin the print media reader/recorder itself in an authenticationprocessor. The print media reader/recorder can accept, for examplethrough the biometric reader, user verification information in order toinitialize its database or a print media database with information thatwould allow verification of user authentication information to occur.The print media reader/recorder can also include a print mediaelectronic data accessor that can access the electronic printinformation from the print media and provide it to the print mediamonitor. The print media reader/recorder can also include a card readerthat can, for example, read and record coded electronic and/or magneticinformation and provide it to the print media monitor.

To continue with the previous example, the user print mediareader/recorder can access information from the print medium and providethat information to a print medium monitor that can, by executable logicor other means known in the art, verify the print medium supplierelectronic print information or facilitator electronic printinformation, and then access the provider electronic print informationor facilitator electronic print information to automatically open a website associated with the provider, the establishment, or otherfacilitators on the computer, if the print media reader/recorder isconnected to the user's personal computer, a cell phone, or a personaldata assistant (PDA) that is in electronic communications with acommunications network. If the print media reader/recorder is connectedto a telephone, the print media reader/recorder can automatically dial atelephone number, which can be either manually or automatically updated,that will provide electronic communication between the print mediareader/recorder and the print media monitor, which can verify the printmedium supplier electronic print information or facilitator electronicprint information and access the provider electronic print informationor facilitator electronic print information to automatically dial atelephone number associated with the establishment or other facilitatorswith a targeted personalized customized audio message and instructions,or automatically connecting the print medium user to a customer servicerepresentative or personal telemarketer.

The print media monitor can verify that the print medium is supplied bythe print media supplier or the facilitator by comparing the printmedium supplier electronic print information with predetermined printmedia supplier information or predetermined facilitator information. Theprint media monitor can also include a biometric processor that can, forexample, determine user status from the user authentication informationthat is received from the biometric reader, and provide verification ofuser authentication information by either comparing biometricinformation with data stored in a print media database, if thisverification is not performed by the print media reader/recorder, or inaddition to such a verification. The print media monitor can alsoinclude a mapping processor that can determine theprovider/facilitator/establishment/print media supplier identified bythe provider/facilitator/print media supplier electronic printinformation and the user that could be identified by the useridentifying electronic print information, can enable electroniccommunication between the provider/facilitator/establishment/print mediasuppler and the user, and can map the electronic print information toapplications associated with the provider and possibly a user identifiedby the electronic print information. The print media monitor can stillfurther include, but is not limited to, a supplier authenticator thatcan verify print medium supplier electronic print information orfacilitator electronic print information, a security code processor thatcan determine appropriate processing based on a security code read fromencoded print media by the print media reader/recorder, a print mediareader/recorder transaction tracer that can trace activities of theprint media reader/recorder and recording them in the print mediadatabase, and can compute and assess the compensation, for example afee, on behalf of the provider, an establishment, a facilitator, or aprint media supplier. The security code can include any alphanumeric orsymbolic character. The print media monitor can track any use of theprint media reader/recorder and any transactions with respect to theinformation on the print medium, can assess a compensation associatedwith the activity associated with the print medium, and can use thecompensation to generate value for the print media supplier, provider orother facilitators. Note that the provider and the supplier could be oneand the same entity.

The electronically recordable section can be, for example, an electronicrecording means, and can include, for example, but not limited to, printmedium supplier electronic print information, provider electronic printinformation, and facilitator electronic print information, andoptionally user identifying electronic print information and userauthentication information. The print medium supplier electronic printinformation can be recorded by the print medium supplier, and can, forexample, include contact information for the print medium supplier. Theprovider electronic print information can be recorded by the providerand can, for example, include contact information for the provider andidentify goods and services offered. The user identifying electronicprint information can, for example, be recorded by the provider and caninclude, for example, the contact information for the recipient of theprint medium, and the user authentication information can be, forexample, recorded by the provider, and can specify, for example, thetype of user authentication required. Facilitator electronic printinformation can be recorded by the facilitator and can include, forexample, contact information for the facilitator and information aboutthe compensation to be assessed.

The print medium can be, for example, an envelope or a sheet of paper,and can be constructed of, for example, any synthetic or naturalmaterial that can be written to and/or recorded upon. The print mediumcan include, but is not limited to, a security code that can be decoded,for example, by the provider, supplier, facilitator, print mediasupplier, and/or establishment.

The electronic print information can be, but is not limited to, printmedium supplier electronic print information, provider electronic printinformation, facilitator electronic print information, and useridentifying electronic print information.

In the illustrative embodiment, the electronic print information caninclude, but is not limited to, three distinct fields or areas ortracks: a track containing the print medium supplier electronic printinformation or facilitator electronic print information and the providerelectronic print information or facilitator electronic printinformation, a record track containing a security code, and a recordtrack containing a transaction, reference, or comment code. The printmedia supplier electronic print information, the provider electronicprint information and/or the facilitator electronic print informationcan also adhere to any available industry standards and be placed on anynumber of distinct fields, areas, or tracks. If there is a security coderecorded on the print medium, a connection must be made with theprovider in order for the security code to become meaningful. For thisreason, the electronic print medium of the present invention could be amore secure alternative to credit/debit cards. In the present invention,if the print medium is in the form of an envelope, it can be convertedto a credit card by simply writing security code related to a specificdebit or credit amount.

The user print media reader/recorder can be assigned a media accesscontrol (MAC) address, or an ESN or IMEI code, which are hardwareaddresses that identify a node on a network. Further, the AutomaticNumber Identification (ANI) system can be applied to the user printmedia reader/recorder. Because the MAC and/or the ESN or IMEI is unique,it can be associated with a specific household telephone or user'scomputer, cell phone, PDA. The print media reader/recorder can alsooptionally have the capability to access data from and record data tothe print medium Also, the print media reader/recorder can have thecapability of recording and accessing a user's authenticated password,biometric identifying information, such as, for example, fingerprints orvoice recognition, in order to activate the further capabilities of theprint media reader/recorder only after biometric verification has takenplace. There can also be provider and supplier print mediareader/recorders that record customized information onto the printmedium before it is made available to the user, recipient or consumer ofthe print media.

The print media monitor, communicatively coupled with the network, andthus in communication with the personal computer, cell phone, or PDAthat is connected to the user print media reader/recorder, can trace allthe activities of the user print media reader/recorder. Throughexecutable logic or other means known in the art, the print mediamonitor can use the unique provider electronic print information orfacilitator electronic print information to trigger executable programsto display, transact, or initiate transactions, as well as to assess acompensation, for example a fee, associated with the enabling of thetransaction, in order to generate value for the print media supplier orother facilitators.

The content of the print media can be used to enable communicationsbetween a user and the website associated with other facilitators or theestablishment from which the print media was sent. Convergence occursbetween the printed medium and electronic communication, that is, byconnecting the print medium to the Internet, a personalized andcustomized message using a single advertising carrier medium can triggernot just advertisement from a text-based printed-paper, but alsopersonalized, customized, and targeted messages from audio, and videofiles sent over the Internet. Furthermore, the print medium could thenconverge to contain a personalized and customized message in a singleadvertising carrier medium containing both a printed text message and anelectronic message of audio and video information. Personalizeddiscounts and value coupons could also be customized and offered.Another form that print media can take is transactional mail including,but not limited to, financial services, billing, credit cards,insurance, telecommunications, and utilities. In this case, the printmedium is encoded such that transaction information required for makinga response or a payment is automatically and securely communicated.Another form print media can take is packaging converted or manufacturedfrom of all sorts of materials containing all types of durable and nondurables consumer and industrial goods and products, any material thatcan be printed and/or recorded upon. Yet another form that print mediacan take is shipment tracking provider electronic print information toaccess and view the progress of a shipment. Yet still another form thatprint media can take is a card-shaped media coin-size credit or debitenvelope or an envelope or paper that includes a credit card-sizedperforated or imperforated section, whose available credit can betracked through a security code by the print media monitor. The securitycode could be used, but is not limited to, represent or relate to acertain debit and/or credit limit or value. The security code could alsorepresent a fixed dollar amount that the user transferred from a bankaccount to the coin-size debit envelope. Such a debit envelope could beused to transfer money from person to person through, for example, themail. Other possible print medium applications can include, but are notlimited to, ATM card, phone card, gift card, storage medium, travelticket, sporting/entertainment event ticket, commuter ticket,deposit/withdrawal slip, hotel key, security identification, and gamingidentification.

The method of the present invention for establishing a compensation forenabling a transaction through a print medium that incorporates anelectronically recordable section can include, but is not limited to,the steps of verifying that a user is associated with a print mediareader/recorder, accessing, through the print media reader/recorder, theelectronic print information recorded on the electronically recordablesection provided by a supplier of the print medium, and verifying fromthe electronically recordable section that the user is associated withthe print medium. The method can further include the steps of accessinga provider identified in the electronically recordable section, enablingthe transaction between the user and the provider, and tracing thetransaction to establish the compensation for the step of enabling. Themethod can optionally include the step of establishing a value for thesupplier or facilitator by assessing the compensation to the user,provider, supplier, facilitator, or establishment. The method canfurther optionally include the step of providing communications betweenthe user and the provider, establishment, facilitator, or supplierthrough, for example, an Internet connection or a telephone line. Themethod can still further optionally include the steps of providingprinted information on the print medium and recording the electronicprint information, associated with the printed information, on theelectronically recordable section.

The method of the present invention for generating value by enabling atransaction through a print medium envelope can include, but is notlimited to, the steps of providing, by a supplier, the print mediumenvelope that includes at least one electronically recordable section,determining a customer from the print medium envelope insert using aprint media reader/recorder, recording customized transactioninformation on the print medium envelope and the print medium envelopeinsert, inserting a print medium envelope insert into the print mediumenvelope. The method can also include the steps of mailing the printmedium envelope through a physical transport, receiving the mailed printmedium envelope, accessing the customized transaction information fromthe print medium envelope through a user print media reader/recorder,enabling the at least one transaction between a user identified by thecustomized transaction information and a provider identified by thecustomized transaction information, tracing the transaction to assess acompensation, for example a fee, and generating a value, for example arevenue stream, based on the compensation. The supplier in this methodcan be, for example, a print media supplier or a facilitator, and theprovider can be, for example an establishment or a facilitator. Themethod can optionally include the steps of personalizing and customizingthe print medium envelope with a printed message and an electronicmessage, and personalizing, customizing, and targeting the print mediumenvelope with audio messages, and video messages, personalizeddiscounts, and coupon offerings. The method can further optionallyinclude the steps of receiving the value into the supplier, facilitator,print media supplier, provider, or establishment.

For a better understanding of the present invention, together with otherand further objects thereof, reference is made to the accompanyingdrawings and detailed description. The scope of the present invention ispointed out in the appended claims.

DESCRIPTION OF THE SEVERAL VIEWS OF THE DRAWING

FIG. 1 is a schematic block diagram of the system of the presentinvention;

FIG. 2 is a flowchart of the method of the present invention;

FIG. 3 is a schematic block diagram of the elements of the print mediareader/recorder of the present invention;

FIG. 4 is a schematic block diagram of the elements of the print mediamonitor of the present invention;

FIG. 5 is a flowchart of the use of the print media reader/recorder ofthe present invention to access and utilize the print media of thepresent invention;

FIG. 6 is a flowchart of the use of the print media of the presentinvention to perform transactions through the Internet;

FIG. 7 is a flowchart of the use of the print media of the presentinvention to conduct transactions using the telephone;

FIG. 8 is a list of the steps for manufacturing the print media of thepresent invention to create a non-window envelope;

FIG. 9 is a flowchart of the steps for manufacturing the print media ofthe present invention to create a window envelope;

FIGS. 10A and 10B are flowcharts of the use of the print media of thepresent invention to conduct credit and debit transactions;

FIG. 11 is a flowchart of use of the print media of the presentinvention to provide gift cards;

FIG. 12 is a flowchart of use of the print media of the presentinvention to enable banking transactions; and

FIGS. 13A-13C are tables providing illustrative data associated withvarious uses of electronic print information of the print media of thepresent invention.

DETAILED DESCRIPTION OF THE INVENTION

The present invention is now described more fully hereinafter withreference to the accompanying drawings, in which alternate embodimentsof the present invention are shown. The following configurationdescription is presented for illustrative purposes only.

Referring now to the drawings, there is illustrated a system and flowcharts defining the various operations which take place for variousapplications utilizing the print media of the present invention. Theprint medium of the present invention is a structure or device utilizingtechnologies such as ferromagnetism, embedded or affixed RFID chip(s),printed RFID antennas utilizing magnetic or conductive inks andconductive glues, chips of all forms, including but not limited towireless chips be they utilizing inductive coupling or any other form ofenergy transfer as well as any other available technologies, inconjunction with printed media, as is known in the art, and in addition,providing certain pre-defined types of data and a device and process forinterpreting those data.

Referring now primarily to FIG. 1, system 100 can include, but is notlimited to, a supplier, such as print media supplier 32, or facilitator33, three print media reader/recorders 50, print media monitor 11, printmedia database 87, a provider such as establishment 21 or facilitator33, and user computer 25 such as, for example, a personal computer (PC),a cell phone 26, or a personal data assistant (PDA) 28. Operationally,the provider receives print media 40 from the supplier, which usessupplier print media reader/recorder 50A to encode print media supplierelectronic print information 17 (FIG. 4) on print media 40, withinelectronically recordable sections 41. Print media 40 can include, butare not limited to, paper, cardboard, plastic, textiles, and syntheticmaterials or any manufactured or converted product from said list ofmaterials such as, but not limited to cards, labels, envelopes, boxes,cartons, packaging of all forms, flexible and non flexible packaging,containers of all forms and shapes, etc. Recordable sections 41 caninclude, but are limited to, all references to technologies such asferromagnetism, embedded or affixed RFID chip(s), printed RFID antennasutilizing magnetic or conductive inks and conductive glues, chips of allforms, including but not limited to wireless chips be they utilizinginductive coupling or any other form of energy transfer as well as anyother available technologies, in conjunction with printed media, as isknown in the art, and in addition, providing certain pre-defined typesof data and a device and process for interpreting those data. Printmedia reader/recorder 50 can be, but is not limited to be, a providerprint media reader/recorder 50C, a facilitator print mediareader/recorder 50D, an establishment print media reader/recorder 50E, auser print media reader/recorder 50B, or a supplier print mediareader/recorder 50A. Provider print media reader/recorder 50C canaccess, through communications network 71, print media database 87 toverify print medium supplier electronic print information 17 (FIG. 4) orfacilitator electronic print information 14A. The term supplier, as usedherein, is intended to refer to any possible supplier of print media 40.The term provider, as used herein, is intended to refer to any possibleprovider of transactions associated with print media 40. Note that theprovider and the supplier could be one and the same entity. Print mediasupplier 32, as used herein, is intended to be applicable to any sourceof print media 40. Establishment 21, as used herein, is intended to beapplicable to any user of print media 40 for any desired application aswill become more apparent from the description in the spreadsheets andflow charts that will follow. Facilitator 33 refers to, for example, butnot limited to, a systems integrator, a hardware or software supplier,an internet company or any other entity facilitating the transactionsbetween the print media supplier 32, provider, the establishment 21 andthe physical transport courier of print media 40. After the provider(e.g. establishment 21 or facilitator 33) has authenticated and verifiedprint media 40, the provider (e.g. establishment 21 or facilitator 33)can apply to the print media whatever information is desired to betransmitted to a recipient.

Provider print media reader/recorder 50C can encode print media 40 withprovider electronic print information 13 (FIG. 4) or facilitatorelectronic print information 14A in electronically recordable sections41. Print media 40 can, but is not limited to, be delivered ortransmitted by physical transport 59 to a recipient. The recipient canbe equipped with user print media reader/recorder 50B that can include amechanism for authenticating a user by means of a password orbiometrics, for example, a fingerprint, or voice recognition. User printmedia reader/recorder 50B can also be used to record user-relatedinformation. Upon receipt of print media 40, the recipient can presentbiometric identification to user print media reader/recorder 50B. Userprint media reader/recorder 50B can determine if the user who is usinguser print media reader/recorder 50B is authorized to perform suchactivity by checking, against a password or biometric stored in userprint media reader/recorder 50B and/or elsewhere as obtained throughcommunications network 71, user authorization information 19 (FIG. 4).User print media reader/recorder 50B may not be activated unless theuser identification, for example a password or biometric of the user,matches that which has been imprinted into the chip which is containedin the user print media reader/recorder 50B during its initialization.After the recipient has been authenticated, the recipient can introduceprint media 40 and electronically recordable sections 41 to user printmedia reader/recorder 50B to access print media information that iscontained in and/or related to print media 40. User print mediareader/recorder 50B can access, through communications network 71, printmedia database 87 to verify print medium supplier electronic printinformation 17 or facilitator electronic print information 14A andprovider electronic print information 13 (FIG. 4) or facilitatorelectronic print information 14A. Such print media information can beused to conduct transactions or respond to messages contained on printmedia 40. If user computer 25 or user cell phone 26 or PDA 28 is inelectronic communication with user print media reader/recorder 50B, usercomputer 25 or user cell phone 26 or PDA 28 can, through its connectionwith communications network 71, access print media database 87 to verifyagain print medium supplier electronic print information 17 (FIG. 4) orfacilitator electronic print information 14A and provider electronicprint information 13 (FIG. 4) or facilitator electronic printinformation 14A of print media 40 and also to interconnect throughcommunications network 71 with a conventional website or conventionalautomated call distribution (ACD) of facilitator 33 or establishment 21.When this connection is made, the recipient can, through the utilizationof the facilitator or establishment website, respond to informationcontained on print media 40 or alternatively, may conduct e-commercetransactions with facilitator 33 and/or establishment 21 through thefacilitator and/or establishment website or ACD. The recipient may usecredit card information to pay for any type of e-commerce transaction oralternatively, may have an account established with facilitator 33and/or establishment 21 or possibly through print media supplier 32 toaccommodate the costs of conducting the e-commerce transactions.Alternatively, the print media supplier, the provider, the facilitator,or the establishment may record on the print media a security code whichcould be used, but is not limited to, representing or relating to acertain debit and/or credit limit or amount thus immediately turning theprint media into a conventional debit and/or credit card or instrument.Print media supplier 32, provider, establishment 21, supplier, and/orfacilitator 33 can benefit from value 68 generated by a compensationcomputed by print media monitor 11 that can be assessed for the serviceof enabling the transaction. Further, print media monitor can executewithin, for example, but not limited to, user computer 25 or user cellphone 26 or PDA 28.

Continuing to refer to FIG. 1, as an alternative to utilization of usercomputer 25 or user cell phone 26 or PDA 28 and communications network71 to contact the facilitator and/or the establishment website,introducing print media 40 to user print media reader/recorder 50B may,if a telephone connection is enabled in user print media reader/recorder50B, interconnect to telephone 69 which can automatically dial anautomated call distribution (ACD) belonging, for example, to print mediasupplier 32 or to facilitator 33 or to establishment 21 which then canconnect the customer to a customer service representative ofestablishment 21 after which the recipient may then conduct transactionsor respond to the message or messages contained on print media 40 whichthe recipient has received from establishment 21. In addition, whentelephone 69 automatically dials a telephone number set forth in printmedia 40, the recipient may receive a targeted personalized customizedaudio message and instructions with regard to specific transactionalinformation desired to be communicated by facilitator 33 and/orestablishment 21. In either case, print media monitor 11 is informed ofthe transaction, tracks it, assesses a compensation, for example a fee,and provides for value 68, for example a revenue stream, based on thecompensation, flowing to facilitator 33, provider, supplier,establishment 21, and/or print media supplier 32. A compensation cantake the form of a percentage of the amount of the transaction thatfacilitator 33, for example, can expect to receive upon completion ofthe transaction, and the value can take the form of the monetary amountdue to, for example, facilitator 33.

Referring now primarily to FIG. 2, method 150 for using print mediareader/recorder 50 (FIG. 1) can include, but is not limited to, thesteps of determining 101 if user authentication information 19 (FIG. 4)such as, for example, a password or a biometric identifier, is verified.If user authentication information 19 (FIG. 4) is not verified, printmedia monitor 11 (FIG. 1) traces the failure, and print mediareader/recorder 50 (FIG. 1) can end the transaction. If userauthentication information 19 (FIG. 4) is verified, and if print mediumsupplier electronic print information 17 (FIG. 4) or facilitatorelectronic print information 14A is verified 105 (which indicates thatthe print medium supplier electronic print information 17 (FIG. 4) orfacilitator electronic print information 14A placed on print medium 40(FIG. 1) by print media supplier 32 (FIG. 1) or facilitator 33 verifiesthat print medium 40 (FIG. 1) is not a counterfeit), and if providerelectronic print information 13 (FIG. 4) or facilitator electronic printinformation 14A is verified 107, method 150 can include the step oftracing 109 print media reader/recorder 50 (FIG. 1) activity. If acommunications network connection is made 111, method 150 can includethe steps of accessing 113/115 communications network 71 (FIG. 1)through user computer 25 or user cell phone 26 or PDA 28 (FIG. 1) andretrieving from print media monitor 11 (FIG. 1) information associatedwith provider electronic print information 13 (FIG. 4) or facilitatorelectronic print information 14A, connecting 117 to the facilitatorand/or establishment website or ACD according to provider electronicprint information 13 (FIG. 4) or facilitator electronic printinformation 14A, and performing 119 transactions. If print mediumsupplier electronic information 17 (FIG. 4) or facilitator electronicprint information 14A is not verified 105, or provider electronic printinformation 13 (FIG. 4) or facilitator electronic print information 14Ais not verified 107, method 150 can include the steps of tracing 103print media reader/recorder activity and ending the transaction on printmedia reader/recorder 50 (FIG. 1). Verification of print medium supplierelectronic print information 17 (FIG. 4) or facilitator electronic printinformation 14A and provider electronic print information 13 (FIG. 4) orfacilitator electronic print information 14A are accomplished byinterconnection, through communications network 71 (FIG. 1), with printmedia database 87 (FIG. 1). Method 150 can further include the step oftracing 121 transactions, assessing a compensation accordingly, andgenerating value 68 (FIG. 1) for facilitator 33, provider, supplier,establishment 21, and/or print media supplier 32 (FIG. 1) based on thecompensation.

Referring now primarily to FIG. 3, print media reader/recorder 50 caninclude, but is not limited to, initializer 63, print media electronicdata recorder 37A, print media electronic data accessor 37B, mediaaccess control (MAC) 36, ESN or IMEI, user authenticator 35, biometricreader 29, an authentication processor 29A, and telephone interface 31,optionally being augmented by the inclusion of Automatic NumberIdentification (ANI). Print media reader/recorder 50 refers to thecommon features shared among supplier print media reader/recorder 50A(FIG. 1), provider print media reader/recorder 50C (FIG. 1), and userprint media reader/recorder 50B (FIG. 1). Operationally, initializer 63can, among other activities, set initial parameters for each componentof print media reader/recorder 50 when power is supplied to print mediareader/recorder 50. Biometric reader 29 can receive user authenticationinformation 19 such as, for example, a password, a fingerprint or voicerecognition, and authentication processor 29A can validate thatinformation through, for example, comparison with predetermined data inprint media reader/recorder 50. Alternatively user authenticator 35(FIG. 4) in print media monitor 11 can validate user's password or codeor user's biometric by comparison with user verification informationpreviously gathered by print media reader/recorder 50 and stored inprint media database 87. Print media electronic data accessor 37B canrecognize electronic print information on coded print medium 40A suchas, for example, print medium supplier electronic print information 17(FIG. 4) or facilitator electronic print information 14A, providerelectronic print information 13 (FIG. 4) or facilitator electronic printinformation 14A, and user identification electronic print information 43(FIG. 4). Electronic print information can be provided to user computer25 having a MAC 36 address through USB interface 34 or user cell phone26 or PDA 28 having an ESN or IMEI through communications network 71 andprint media database 87. Electronic print information can be used toinstruct print media reader/recorder 50 and user computer 25 or usercell phone 26 or PDA 28 to connect to the website or ACD of thefacilitator 33, the print media supplier 32 and/or the establishment 21.Provider electronic print information 13 or facilitator electronic printinformation 14A can also be used to instruct print media reader/recorder50 to access telephone 69 through telephone interface 31 and dial apre-determined number associated with print media supplier 32,facilitator 33, and/or establishment 21 that can be referred to in theprovider electronic print information 13 or facilitator electronic printinformation 14A. Optionally, print media reader/recorder 50 can includeprint media electronic recorder 37A that can be used to encode printmedia 40 with, for example, further user-specific information and cardreader 57 that can be used to read coded electronic information fromcard-shaped media be it an envelope, a paper or other form of printmedium.

Referring now primarily to FIG. 4, print media monitor 11 can include,but is not limited to, biometric processor 27, user authenticator 35,supplier authenticator 61, facilitator processor 52, mapping processor51, and print media reader/recorder transaction tracer 77. Print mediamonitor 11 can be accessed by user computer 25, user cell phone 26, orPDA 28 through communications network 71 after encoded print media 40Ahas been introduced to print media reader/recorder 50. Supplierauthenticator 61 can provide verification of print medium supplierelectronic print information 17 or facilitator electronic printinformation 14A, and optionally biometric processor 27 can provideverification of user authentication information 19, through, forexample, comparisons with data stored in print media database 87. Printmedia reader/recorder transaction tracer 77 can trace activities ofprint media reader/recorder 50 and record them in, for example, printmedia database 87 for later inspection. Print media reader/recordertransaction tracer 77 can also compute and assess a compensation onbehalf of provider or establishment 21, facilitator 33 and/or printmedia supplier 32 (FIG. 1). User authenticator 35 can optionally be usedto verify any user identification electronic print information 43 thatmight be supplied on encoded print media 40A. Security code processor 15can optionally map special codes on encoded print media 40A toappropriate processing, and mapping processor 51 can map providerelectronic print information 13 or facilitator electronic printinformation 14A to processing specific to associated facilitator 33and/or establishment 21 and a user identified by user identificationelectronic print information 43. Print media data processor 75 canfacilitate transactions by providing a website interface to websitesidentified by encoded print media 40A. Print media monitor 11 canexecute within equipment such as, for example, but not limited to, a PC,a cell phone, or a PDA.

Referring now primarily to FIG. 5, method 200 for using print mediareader/recorder 50 (FIG. 1) can include the steps of initializing oractivating 201 print media reader/recorder 50 (FIG. 1) after the userprovides a password code or a biometric identifier, such as, forexample, a fingerprint or voice recognition, and authenticating 203 theuser by, for example, comparing the biometric identifier withpredetermined data that are programmed into print media reader/recorder50 (FIG. 1). Method 200 can include the step of introducing 205 printmedia 40 (FIG. 1) to print media reader/recorder 50 (FIG. 1). If printmedia supplier identification data verifies 207 by comparing topredefined print supplier information or, for example, by a comparisonof print media database 87 (FIG. 1) accessed through communicationsnetwork 71 (FIG. 1), with print medium supplier electronic printinformation 17 (FIG. 4) or facilitator electronic print information 14A.If print media supplier identification data does not verify 207, method200 can include the steps of displaying 208 a message and preparing thesystem to accept other information. If print media supplieridentification data does verify 207, and if Internet access is indicated209 from provider electronic print information 13 (FIG. 4) orfacilitator electronic print information 14A, print media 40 (FIG. 1) isauthentic and provider electronic print information 13 (FIG. 4) orfacilitator electronic print information 14A is used to enablecommunications network 71 (FIG. 1) access to trigger 211 a predefinedprocess on the print media supplier's, the provider's, the facilitator'sor the establishment's website or by dialing their telephone number.Method 200 assumes that print media reader/recorder 50 (FIG. 1) isalready configured in that it has the required MAC address, ESN or IMEIand is programmed to receive authenticating information, such as, forexample, a password code or biometric information.

Referring now primarily to FIG. 6, method 500, for accessing Internetcapabilities through use of print media 40 (FIG. 1), can include, but isnot limited to, the steps of introducing 151 print medium 40 to printmedia reader/recorder 50 (FIG. 1) which recognizes electronic printinformation stored on print media 40 (FIG. 1). Method 500 can furtherinclude the steps of accessing 153 electronically recordable section andsending provider electronic print information 13 (FIG. 4) or facilitatorelectronic print information 14A (FIG. 4), print media deviceidentification, and user authentication information 19 (FIG. 4) to usercomputer 25 (FIG. 1). Method 500 can further include the step of making155 a secure connection to the print media database 87 (FIG. 1) toverify that the electronic print information that was recognized onprint media 40 (FIG. 1). If verification is correct, as was previouslydiscussed, method 500 includes the step of activating 157 a transactionbased on provider electronic print information 13 (FIG. 4) orfacilitator electronic print information 14A (FIG. 4). For example, if159 the transaction is to pay a bill, then appropriate activity toaccomplish that occurs as shown at 161. If (decision 159), however, theactivity is to conduct e-commerce transactions, and if (decision 163)the shopping location is a vendor, then such occurs by interconnectionwith the vendor's website or ACD as shown at 165 to permit theparticular e-commerce transaction to occur. It may be also availablethat the user is connected to the website or ACD of the manufacturer ofprint media 40 (FIG. 1) so that appropriate shopping or other e-commercetransactions may occur as is illustrated at 167.

Referring now primarily to FIG. 7, method 250, a method forinterconnecting print media 40 (FIG. 1) with a telephone for appropriatetransactions or communications, can include, but is not limited to, thesteps of introducing 251 print media 40 (FIG. 1) to print mediareader/recorder 50 (FIG. 1), accessing 253 tracks of the electronicprint information, and dialing a manufacturer's ACD automatic calldistribution which requests 255 the information for verification ofprint media 40 (FIG. 1) as above discussed. If print media 40 (FIG. 1)verifies, method 250 can include the step of locating and processing 257the desired transaction. For example, if 259 the transaction is to pay abill, then such may be done through the ACD electronically 267 or by wayof live payment 263. On the other hand, the payment of the bill may behandled by a personal customer service representative as shown at 269.Alternatively, the customer may accomplish shopping as shown at 261either through utilization of an electronic connection as shown at 265or by way of a special personal customer service representative as shownat 271.

Referring now primarily to FIG. 8, steps 1-5 indicate illustrativeformat steps that can be used to process print media 40 (FIG. 1) that isan envelope which includes the electronic recording medium as a partthereof and which is constructed without the traditional window in theenvelope through which the recipient's information appears. In thiscase, the envelope is stuffed with the specific inserts that are to beaddressed to the customer in this type of situation. As is shown,generic inserts are provided; also provided are print media envelopesthat do not have the window provided therein. The insert is recordedwith customer data and at the same time a label containing thecustomer's address and/or other information is applied to the exteriorof the non-window print media envelope. Customer information that isplaced on the insert and customer information that is placed on thelabel attached to the print media envelope are OCR scanned and verifiedto determine that the insert and print media envelope go together. Theinsert is placed into the envelope and print media reader/recorder 50(FIG. 1) encodes the print media envelope with information specific tothe customer.

Referring now primarily to FIG. 9, steps 1-5 indicate illustrativeformat steps that can be used to process print media 40 (FIG. 1) that isan envelope which includes the electronic recording medium as a partthereof and which is constructed to have the traditional window in theenvelope through which the recipient's information appears.Establishment 21 (FIG. 1) can provide the customized inserts along withprint media 40 (FIG. 1), and the insert is then printed with thecustomer data thereon. The envelope with the window can receive theinsert with the customer data showing through the window. Customerinformation can be scanned by a conventional optical character reader(OCR). Print media reader/recorder 50 (FIG. 1) can record informationonto print media 40 (FIG. 1) that is specific to the particular user towhom the insert is addressed. The envelope could then be mailed to theuser.

Continuing to refer to FIG. 9, method 450 can include, but is notlimited to, the steps of constructing 451, by a supplier, print mediumenvelope that can include, but is not limited to, an electronicallyrecordable section, and recording 453 customized transaction informationon the print medium envelope insert. Method 450 can further include thesteps of inserting 455 a print medium envelope insert into the printmedium envelope, accessing 457 the print medium envelope insert todetermine a user from the customized transaction information, andrecording 459 the customized transaction information on the print mediumenvelope. Method 450 can optionally include the steps of mailing theprint medium envelope through a physical transport, receiving the mailedprint medium envelope, accessing the customized transaction informationfrom the print medium envelope insert through a user print mediareader/recorder, enabling a between the user identified by thecustomized transaction information and a provider identified by thecustomized transaction information, tracing the transaction to assess acompensation, and generating a value based on the compensation.

Referring now primarily to FIG. 10A, method 300A, a method for use of ageneric print medium credit/debit card such as would be used at Macy'sor for Verizon, in the context of the print media 40 of the presentinvention, can include, but is not limited to, the steps of verifying323 that the user has credit or debit amount established andsuccessfully transferred to the database server of the organization, andsetting 325 the user's credit debit amount (UCDA). Method 300A canfurther include the steps of issuing 327 a recorded security code (WSN)and storing that WSN in print media database 87 (FIG. 1). Method 300Acan still further include the steps of allowing 329 the user to transacte-commerce on the establishment website, and transmitting 333 thetransaction cost and other details as may be required to print mediadatabase 87 (FIG. 1) after the user has selected the goods or otheractivity that is desired. Method 300A can include the step of requesting331 customer comments, sending received customer comments to print mediadatabase 87 (FIG. 1), and assigning a user comment code (UCN). If,referring to method step 337, the UCDA balance is greater than the costof the transaction that is desired, method 300A can include the steps ofauthorizing 339 the transaction and deducting the cost of thetransaction from the UCDA. If, referring to method step 337, the UCDAbalance is not greater than the cost of the transaction that is desired,method 300A can include the steps of denying 341 the transaction andinforming the merchant and user that an insufficient UCDA balance existsto cover the cost of the transaction desired by the user. If the balanceremaining in the UCDA is greater than zero, method 300A can include thestep of storing 335 a new UCDA balance amount so that the user maycontinue to conduct e-commerce so long as there is a sufficient UCDAbalance to permit the same. If, on the other hand, the balance is zero,method 300A can include the step of deleting 343 the WSN from printmedia database 87 (FIG. 1). It should be understood by those skilled inthe art that the flow chart shown in FIG. 10A illustrates the steps thatare taken after the user (in this case the customer who has receivedencoded print medium 40A) has introduced encoded print medium 40A(FIG. 1) to user print media reader/recorder 50B (FIG. 1) and connectionhas been made through the Internet to print media database 87 (FIG. 1)to verify the electronic print information, and connection has then beenmade to the establishment website, such as Macy's or Verizon.

Referring now to FIG. 10B, method 300B is similar to method 300A exceptthat after a customer credit/debit amount is set, as shown at 301, aUCDA, the WSN and the SKN all conform and method 300B informs 304 theuser (customer) as to the UCDA that is available and the fact thatcredit is in existence for utilization by the customer to transactcommerce. At this point, the customer commences a transaction ofcommerce and the remainder of the activity is the same at that discussedwith regard to FIG. 10A. Method 300B can include, but is not limited to,the steps of verifying 301 customer credit or transferring debit amountto data base server, setting 303 customer credit/debit amount, if(decision 305) SKN is equal to customer recorded security code, andmailing 304 the credit information to the customer. Method 300B canfurther include the steps of transacting 307 commerce, and sending 309the transaction amount and detail to the data base server. If customercomments are desired, method 300B can include the step of sending 311customer comments to the data base server where a customer commentnumber is assigned. If (decision 315) the balance is greater than thetransaction amount, method 300B can include the step of authorizing thetransaction and deducting the last transaction amount. If the balance isgreater than zero, method 300B can include the step of storing 313 thenew balance and continuing at step 307. If (decision 315) the balance isless than or equal to the transaction amount, method 300B can includethe step of denying 321 the transaction and informing the merchant anduser. If (decision 317) the balance is zero, method 300B can include thestep of deleting 319 the WSN from the database.

Referring now primarily to FIG. 11, method 350, which illustrates themethod of use of print media 40 (FIG. 1) as the gift card by anorganization that provides products or services to the public generally,can include, but is not limited to, the steps of manufacturing 351 printmedium 40 (FIG. 1) and, at the time of its manufacture, encodingprovider electronic print information 13 (FIG. 4) or facilitatorelectronic print information 14A that identifies the particular merchantthat is providing the goods or services to the customer. Method 350 canfurther include the steps of sending 353 print media 40 to the variousretail locations that have subscribed to this service. Print media 40(FIG. 1) that are functioning as gift cards can be segregated accordingto the electronic print information appearing on each one so that theycan be sent to the particular retail location with which providerelectronic print information 13 (FIG. 4) is associated. Method 350 canfurther include the step of encoding 355 the amount of the gift cardprint medium 40 (FIG. 1) into the electronic recording medium of printmedium 40 (FIG. 1) by provider print media reader/recorder 50C (FIG. 1)after the purchase of print medium 40 (FIG. 1) from the retailer. Theamount is designated as an appropriate WSN. Subsequently, the customermay present print medium 40 (FIG. 1) in the form of a gift card to arecipient who may then utilize print media 40 (FIG. 1) at establishment21 (FIG. 1) to purchase goods or services being provided byestablishment 21 (FIG. 1). Establishment 21 (FIG. 1), upon receipt ofprint media 40 (FIG. 1), can introduce print media 40 (FIG. 1) toprovider print media reader/recorder 50C (FIG. 1) to verify itsauthenticity and the amount for which it may be used.

Referring now primarily to FIG. 12, method 400, a method by which acustomer can use print media 40 (FIG. 1) for making a bank deposit, caninclude, but is not limited to, the steps of manufacturing 401 printmedia 40 (FIG. 1) having electronic print information including banksupplier and identifiers recorded in the electronic recording medium.Electronic print information could include, but is not limited toincluding, a unique identifier code that is associated with a particularprint medium 40 (FIG. 1) and is utilized to verify that print medium 40(FIG. 1) is authentic. Electronic print information could also include aunique identifier for the bank in a specific predefined location onprint media 40 (FIG. 1). Method 400 can further include the step ofshipping 403 encoded print media 40A (FIG. 1) to the associated bank,and providing 405 print media 40 (FIG. 1) to customers who desire them.In the illustrative embodiment, the bank's customer can call upon thebank to obtain print media 40 (FIG. 1) for making a deposit into thecustomer's bank account. Method 400 can include the steps of introducing407 print media 40 (FIG. 1) to user print media reader/recorder 50B(FIG. 1) after user print media reader/recorder 50B (FIG. 1) is properlyactivated by the utilization of the proper biometric, and throughinterconnection with the Internet, verify electronic print informationby accessing print media database 87 (FIG. 1). Method 400 can furtherinclude the step of depositing 409 print medium 40 (FIG. 1) in the bankwhich introduces print medium 40 (FIG. 1) to provider print mediareader/recorder 50C (FIG. 1) and verifies the electronic printinformation from the bank's database.

Referring to FIGS. 5-12, the methods depicted in these figures can be,in whole or in part, implemented electronically. Signals representingactions taken by elements of the system can travel over electroniccommunications media, optionally within communications network 71 (FIG.1). Control and data information can be electronically executed andstored on computer-readable media. The system can be implemented toexecute on at least one node, and possibly across several nodes incommunications network 71 (FIG. 1), where a node refers to any piece ofequipment that can be electronically coupled to communications network71 (FIG. 1), and can include, but is not limited to equipment such as aPC, a cell phone, or a PDA. Common forms of computer-readable mediainclude, for example, a floppy disk, a flexible disk, a hard disk,magnetic tape, or any other magnetic medium, a CDROM or any otheroptical medium, punched cards, paper tape, or any other physical mediumwith patterns of holes, a RAM, a PROM, and EPROM, a FLASH-EPROM, or anyother memory chip or cartridge, a carrier wave, electronic signal,computer data signal, or any other medium from which a computer canread.

Referring now primarily to FIGS. 13A-C, there are numerous applicationsfor print media 40 (FIG. 1), a subset of which are set forth as specifictypes of applications and the manner in which print media 40 (FIG. 1)may be utilized in each of these applications. It should be understoodby those skilled in the art that the listing of the various applicationsto which print media 40 (FIG. 1) may be put should not be consideredlimiting, but merely illustrative of the various types of applicationsto which the print media 40 (FIG. 1) may be put. Those skilled in theart upon consideration of the applications as listed will recognize thatthere are a multitude of other applications, including various types ofbusiness-to-business applications, which would be amenable to the use ofprint media 40 (FIG. 1). Codes in FIGS. 13A-C are defined as follows:

-   SKE—a unique identifier code based on each print medium 40 at the    time of manufacture by the manufacturer.-   SKN—a security identifier associated with all data related to print    media 40 such that it may include name, address, account code,    credit card code, security password, website address, telephone    number, transaction code and the like, as well as any other    personalized and customized targeted information.-   WSN—recorded security code.-   ETN—Envelope tracking code at a print media manufacturer.-   UCN—User transaction, reference or comment code.-   UCDA—User credit/debit amount.

In the tables in FIGS. 13A-C, designations across the top identify anorganization or organization type (in many instances with specificexamples being given) that would be utilizing print media 40 in itsbusiness operations. The column on the left specifies, for example, theentity that could record certain information on print media 40 (FIG. 1).For example, the SKE can normally be recorded by the print mediasupplier 32 (FIG. 1) or manufacturer while the SKN may be recorded byestablishment 21 (FIG. 1) or print media supplier 32 (FIG. 1) ormanufacturer, depending upon the particular application. It is believedthat the information as provided on FIGS. 13A-C is in sufficient detailto be understood by one skilled in the art without further detaileddescription or discussion. It should also be recognized in FIG. 13Aunder “flow chart” on the left hand side that specific flow charts areidentified. Those have been or will be discussed herein. No flow chartsare provided with regard to the applications specified on FIGS. 13B and13C. It is believed that through analysis of the flow charts whichrepresent the applications as set forth on FIG. 13A, sufficientinformation and data are provided to enable those skilled in the art tounderstand the function and develop the flow charts which would beapplicable for the applications set forth in FIGS. 13B and 13C.Reference should also be made to FIGS. 6 and 7 with regard to the flowcharts that are associated with Direct Marketing (Macys) andTransactional Mailer (Verizon-Proxy Svcs). As indicated above, each ofthe additional applications as set forth in FIGS. 13B and 13C may havesimilar flow charts developed for them to accommodate the particulartransaction desired between establishment 21 and the customer. As alsoindicated above, there will be a multiplicity of additional applicationsin which print media 40 may be used for various purposes.

Other variations of the described teachings will occur to those skilledin the art, given the benefit of the described teachings. The followingclaims define the scope of the invention.

What is claimed is:
 1. A system that involves at least one insertcontaining print and electronic information which may includetransaction information for enabling at least one transactioncomprising: a print medium that is a container or bound and that permitsinsertion therein of said at least one insert, said print mediumincludes at least one electronically recordable section upon whichelectronic information is recorded, the electronic informationcontaining information derived from the at least one insert: a printmedia reader/recorder capable of (a) accessing said electronicinformation from said at least one electronically recordable section;and (b) receiving user authentication information through user input toauthenticate a user; and a print media monitor capable of (a) receivingsaid electronic information from said print media reader/recorder; (b)enabling the at least one transaction by electronically coupling theuser with a provider identified by said electronic information; (c)tracing the at least one transaction in order to calculate and assess acompensation; (d) establishing a value based on said compensation; and(e) providing at least part of said value to at least said provider andanother recipient.
 2. The system of claim 1 wherein said print mediareader/recorder is further capable of determining if the user isauthorized to access said electronic information on said print medium.3. The system of claim 1 wherein said print media monitor is furthercapable of determining if the user is authorized to access saidelectronic information on said print medium.
 4. The system of claim 1wherein said another recipient comprises: a supplier capable ofsupplying said print medium.
 5. The system of claim 4 wherein saidsupplier is selected from a group consisting of a facilitator and aprint media supplier.
 6. The system of claim 4 wherein said suppliercomprises a facilitator capable of receiving said at least part of saidvalue and facilitating the at least one transaction.
 7. The system ofclaim 4 wherein said supplier comprises a print media supplier capableof receiving said at least part of said value and facilitating the atleast one transaction.
 8. The system as in claim 1 wherein said provideris capable of supplying said print medium.
 9. The system of claim 1wherein said another recipient comprises: a facilitator capable offacilitating the at least one transaction.
 10. The system of claim 1wherein said provider is selected from a group consisting of afacilitator and an establishment, and is capable of facilitating the atleast one transaction.
 11. The system of claim 1 wherein said providercomprises a facilitator capable of receiving said at least part of saidvalue and facilitating the at least one transaction.
 12. The system ofclaim 1 wherein said provider comprises an establishment capable ofreceiving said at least part of said value and facilitating the at leastone transaction.
 13. The system of claim 1 wherein said at least oneelectronically recordable section includes print medium supplierelectronic information and provider electronic information.
 14. Thesystem of claim 1 wherein said at least one electronically recordablesection includes facilitator electronic information and providerelectronic information.
 15. The system of claim 1 wherein said at leastone electronically recordable section includes print medium supplierelectronic information and facilitator electronic information.
 16. Thesystem of claim 13 wherein said provider is capable of facilitating theat least one transaction, and wherein said print media reader/recorderis further capable of recording said provider electronic informationabout said provider and capable of recording user identifying electronicinformation on said at least one electronically recordable section. 17.The system of claim 13 wherein said another recipient comprises: a printmedia supplier capable of facilitating the at least one transaction, andcapable of receiving said at least part of said value; wherein saidprint media reader/recorder is further capable of recording said printmedia supplier electronic information about said print media supplierand capable of recording user identifying electronic information on saidat least one electronically recordable section.
 18. The system of claim14 wherein said another recipient comprises: a facilitator capable offacilitating the at least one transaction, and capable of receiving saidat least part of said value; wherein said print media reader/recorder isfurther capable of recording said facilitator electronic informationabout said facilitator and capable of recording user identifyingelectronic information on said at least one electronically recordablesection.
 19. The system of claim 1 wherein said print mediareader/recorder is further capable of reading said electronicinformation from said print medium and recording said electronicinformation onto said print medium.
 20. (Currently. Amended) The systemof claim 13 wherein said print media reader/recorder is further capableof receiving said print media supplier electronic information and saidprovider electronic information from said print medium.
 21. The systemof claim 14 wherein said print media reader/recorder is further capableof receiving said facilitator electronic information and said providerelectronic information from said print medium.
 22. The system of claim15 wherein said print media reader/recorder is further capable ofreceiving said print medium supplier electronic information and saidfacilitator electronic information from said print medium.
 23. Thesystem of claim 13 wherein said another recipient comprises: a printmedia supplier capable of facilitating the at least one transaction, andcapable of receiving said at least part of said value, wherein saidprint media monitor is further capable of verifying that said printmedium is supplied by said print media supplier by comparing said printmedium supplier electronic information with predetermined print mediasupplier information.
 24. The system of claim 14 wherein said anotherrecipient comprises: a facilitator capable of facilitating the at leastone transaction, and capable of receiving said at least part of saidvalue, wherein said print media monitor is further capable of verifyingthat said print medium is supplied by said facilitator by comparing saidfacilitator electronic information with predetermined facilitatorinformation.
 25. The system of claim 1 wherein said print mediareader/recorder further comprises: a biometric reader capable of (a)setting user verification information; (b) receiving said userauthentication information; (c) authenticating the user based on saiduser authentication information and said user verification information;(e) providing said user verification information to said print mediamonitor; and (f) providing said user authentication information to saidprint media monitor.
 26. The system of claim 25 wherein said print mediamonitor comprises: a biometric processor capable of determining userstatus from said user authentication information received from saidbiometric reader.
 27. The system of claim 1 wherein said print mediareader/recorder comprises: a print media electronic data accessorcapable of accessing said electronic information from said print mediaand providing said electronic information to said print media monitor.28. The system of claim 1 wherein said print media reader/recordercomprises: a card reader capable of reading and recording codedelectronic information and providing said coded electronic informationto said print media monitor.
 29. The system of claim 1 wherein saidprint media reader/recorder comprises: a card reader capable of readingand recording coded magnetic information and providing said codedmagnetic information to said print media monitor.
 30. The system ofclaim 13 wherein said print media monitor comprises: a mapping processorcapable of determining said provider identified by said providerelectronic information, and enabling electronic communication betweensaid provider and the user, wherein said provider is capable offacilitating the at least one transaction.
 31. The system of claim 14wherein said print media monitor comprises: a mapping processor capableof determining a facilitator identified by said facilitator electronicinformation, and enabling electronic communication between saidfacilitator and the user, wherein said facilitator is capable ofreceiving said at least part of said value and facilitating the at leastone transaction.
 32. The system of claim 13 wherein said print mediamonitor comprises: a mapping processor capable of determining anestablishment identified by provider electronic information, andenabling electronic communication between said establishment and theuser, wherein said establishment is capable of receiving said at leastpart of said value and facilitating the at least one transaction. 33.The system of claim 13 wherein said print media monitor comprises: amapping processor capable of determining a print media supplieridentified by said print media supplier electronic information, andenabling electronic communication between said print media supplier andthe user, wherein said print media supplier is capable of receiving saidat least part of said value and facilitating the at least onetransaction.
 34. The system of claim 1 further comprising: a print mediareader/recorder transaction tracer capable of monitoring and recordingthe at least one transaction.
 35. The system of claim 1 wherein saidprint medium comprises: at least one envelope.
 36. The system of claim 1wherein said print medium comprises: at least one sheet of paper. 37.The system of claim 1 wherein said print medium is selected from thegroup consisting of paper, cardboard, plastic, textiles, leather,rubber, glass, mirrors, stone, wood, ferrous and non-ferrous metals,natural and synthetic materials and any manufactured and convertedproduct selected from the group consisting of cards, labels, envelopes,boxes, cartons, cans, bottles, packaging, flexible packaging, nonflexible packaging, containers, and any material that can be printed andrecorded upon.
 38. The system of claim 1 wherein said print mediumcomprises: a security code capable of being decoded by said provider.39. The system of claim 1 wherein said print medium comprises: asecurity code capable of being decoded by a supplier; wherein saidsupplier is capable of supplying said print medium and capable ofreceiving said at least part of said value.
 40. The system of claim 1wherein said print medium comprises: a security code capable of beingdecoded by a facilitator; wherein said facilitator is capable offacilitating the at least one transaction and is capable of receivingsaid at least part of said value.
 41. The system of claim 1 wherein saidprint medium comprises: a security code capable of being decoded by aprint media supplier; wherein said print media supplier is capable offacilitating the at least one transaction and is capable of receivingsaid at least part of said value.
 42. The system of claim 1 wherein saidprint medium comprises: a security code capable of being decoded by anestablishment; wherein said establishment is capable of facilitating theat least one transaction and is capable of receiving said at least partof said value.
 43. The system of claim 1 wherein said electronicallyrecordable section comprises an electronic recording means.
 44. Thesystem of claim 1 wherein said electronic information is selected from agroup consisting of print medium supplier electronic information,provider electronic information, facilitator electronic information,establishment electronic information, and user identifying electronicinformation.
 45. The system of claim 1 wherein said print mediareader/recorder is selected from a group consisting of a provider printmedia reader/recorder, a facilitator print media reader/recorder, anestablishment print media reader/recorder, a user print mediareader/recorder, and a supplier print media reader/recorder.
 46. Thesystem of claim 1 wherein said print media monitor comprises: abiometric processor capable of providing verification of userauthentication information by comparing biometric information with datastored in a print media database; a user authenticator capable ofverifying user identification electronic information; a supplierauthenticator capable of providing verification of print medium supplierelectronic information or facilitator electronic information; a securitycode processor capable of determining appropriate processing based on asecurity code read from encoded print media by said print mediareader/recorder; a print media reader/recorder transaction tracercapable of tracing activities of said print media reader/recorder andrecording them in said print media database, and capable of computingand assessing said compensation on behalf of an entity selected from thegroup consisting of said provider, a supplier, an establishment, afacilitator, and a print media supplier; and a mapping processor capableof mapping said electronic information to applications associated withsaid provider, said supplier, said establishment, said facilitator, andsaid print media supplier, and a user identified by said electronicinformation.
 47. A method for establishing a compensation for enablingat least one transaction through a print medium that incorporates atleast one electronically recordable section, said method comprising thesteps of: inserting at least one insert into said print medium, saidprint medium being a container or bound; electronically verifying that auser is associated with a print media reader/recorder; electronicallyaccessing from the print medium, through a print media reader/recorder,electronic information, contained at least partially from said at leastone insert containing print and electronic information which may includetransaction information, recorded on the at least one electronicallyrecordable section provided by a supplier of the print medium;electronically accessing a provider identified in the at least oneelectronically recordable section; electronically enabling the at leastone transaction between the user and the provider; electronicallytracing the at least one transaction to establish the compensation forsaid step of enabling; and providing a value associated with thecompensation to at least the provider and another recipient.
 48. Themethod of claim 47 further comprising the step of: verifying that theuser is associated with the print medium.
 49. The method of claim 47further comprising the step of: establishing at least part of the valuefor the supplier by assessing the compensation to the user.
 50. Themethod of claim 47 further comprising the step of: establishing at leastpart of the value for the supplier by assessing the compensation to theprovider.
 51. The method of claim 47 further comprising the step of:establishing at least part of the value for a facilitator by assessingthe compensation to the user.
 52. The method of claim 47 furthercomprising the step of: establishing at least part of the value for afacilitator by assessing the compensation to the provider.
 53. Themethod of claim 47 further comprising the step of establishing at leastpart of the value for a facilitator by assessing the compensation to thesupplier.
 54. The method of claim 47 further comprising the step of:establishing at least part of the value for the supplier by assessingthe compensation to a facilitator.
 55. The method of claim 47 furthercomprising the step of: establishing at least part of the value for thesupplier by assessing the compensation to an establishment.
 56. Themethod of claim 47 further comprising the step of: establishing at leastpart of the value for a facilitator by assessing the compensation to anestablishment.
 57. The method of claim 47 further comprising the stepof: providing communications between the user and the provider throughan Internet connection.
 58. The method of claim 47 further comprisingthe step of: providing communications between the user and anestablishment through an Internet connection.
 59. The method of claim 47further comprising the step of: providing communications between theuser and a facilitator through an Internet connection.
 60. The method ofclaim 47 further comprising the step of: providing communicationsbetween the user and the supplier through an Internet connection. 61.The method of claim 47 further comprising the step of: providingcommunications between the user and the provider through a telephone.62. The method of claim 47 further comprising the step of: providingcommunications between the user and an establishment through atelephone.
 63. The method of claim 47 further comprising the step of:providing communications between the user and a facilitator through atelephone.
 64. The method of claim 47 further comprising the step of:providing communications between the user and the supplier through atelephone.
 65. The method of claim 47 further comprising the steps of:providing printed information on the print medium; and recording theelectronic information, associated with the printed information, on theat least one electronically recordable section.
 66. An automated methodfor generating value by enabling at least one transaction through aprint medium envelope comprising a computer program on a computerreadable non-transitory medium executing the steps of: receiving, from asupplier, the print medium envelope that includes at least oneelectronically recordable section; recording, by a recorder, customizedtransaction information on a print medium insert having print andelectronic information the insert to be placed in the print mediumenvelope; inserting the print medium insert into the print mediumenvelope; accessing, by a reader, the print medium insert to determine auser from the customized transaction information; recording, by therecorder, at least a portion of the customized transaction informationon the print medium envelope based upon information contained in theprint medium insert ; mailing the print medium envelope through aphysical transport; receiving, by a reader, the mailed print mediumenvelope; accessing, by a reader, the customized transaction informationfrom the print medium envelope insert through a user print mediareader/recorder; enabling, by a monitor, the at least one transactionbetween the user identified by the customized transaction informationand a provider identified by the customized transaction information;tracing, by the monitor, the at least one transaction to assess acompensation; generating, by the monitor, a value based on thecompensation; and providing, by the monitor, at least part of the valueto at least the provider and another recipient.
 67. The method of claim66 wherein the supplier comprises a print media supplier.
 68. The methodof claim 66 wherein the supplier comprises a facilitator.
 69. The methodof claim 66 wherein the provider comprises an establishment.
 70. Themethod of claim 66 wherein the provider comprises a facilitator.
 71. Themethod of claim 66 further comprising the step of: personalizing andcustomizing the print medium envelope with a printed message and anelectronic message.
 72. The method of claim 66 further comprising thestep of: personalizing, customizing, and targeting the print mediumenvelope with audio messages, and video messages, personalizeddiscounts, and coupon offerings.
 73. The method of claim 66 furthercomprising the step of: receiving the at least part of the value intothe supplier.
 74. The method of claim 66 further comprising the step of:receiving the at least part of the value into a facilitator.
 75. Themethod of claim 66 further comprising the step of: receiving the atleast part of the value into a print media supplier.
 76. The method ofclaim 66 further comprising the step of: receiving the value into theprovider.
 77. The method of claim 66 further comprising the step of:receiving the at least part of the value into an establishment.